Available to Georgia residents with the ability to open online, Georgia's Own Credit Union is offering $275 in bonus cash when you open a new Perks+ Checking account and complete qualifying activities. There's a mix of transactions and direct deposit requirements to earn this one.
A key requirement
How To Earn The Bonus
The Georgia's Own Credit Union Perks+ Checking promotion requires you to set up and have eligible direct deposits and make purchases using the account's card in order to earn the $275 bonus (step-by-step breakdown is listed above!).
As with any offer, don't forget to read the fine print before opening your new account. It's where the credit union will clearly state who is eligible for the deal along with any nuances you'll want to be aware of.
The fine print
- Your qualifying direct deposit must be established within 30 days from account opening. Qualifying direct deposits are regular, periodic automated clearing house (ACH) credits, which may include payroll, salary, pension, or government payments (such as Social Security). Deposits that DO NOT QUALIFY include peer-to-peer networks such as PayPal, Zelle®, Venmo, or other peer-to-peer payment services. Transfers from another Georgia’s Own deposit accounts also do not qualify.
- Your account must remain open and in good standing from account opening through the duration of the promotional period.
- This offer cannot be used in combination with any other checking offer. Offer does not apply to business, employee, second, or multiple checking accounts with Georgia’s Own.
- Offer is not available to existing Georgia’s Own checking account holders or those whose accounts have been closed within 90 days or closed with a negative balance within the last three (3) years.
Open a Perks+ Checking account before the bonus expires on September 30, 2026
How does this personal checking offer from Georgia's Own Credit Union compare?
To help you determine how this bonus stacks against the rest, here are some of the most popular offers available right now:
BMO
Personal Checking
- Bonus
- up to $600 cash bonus*
- Account Type
- Personal Checking
- Expires In
- 86 days
- Requires
- Direct Deposit
PNC
Virtual Wallet® with Performance Select
- Bonus
- $400
- Account Type
- Personal Checking
- Expires In
- 109 days
- Requires
- Qualifying Direct Deposit
Bank of America
Advantage Banking Account
- Bonus
- up to $500
- Account Type
- Personal Checking
- Expires In
- 10 days
- Requires
- Direct Deposit
Why Georgia's Own Credit Union?
Perks+ Checking
An interest-bearing checking account with a lot of extras like cell phone protection, extended warranties, travel death coverage and more.Fees
Perks+ Checking charges a monthly maintenance fee of $5.95.
Apply now for a Perks+ Checking account to earn the $275 bonus offer
How to Join Georgia's Own Credit Union
Credit unions differ from banks in that they restrict membership based on a shared common bond, or the credit union’s “field of membership”.
That means in order to qualify for this bonus (or any offer from a credit union), you'll first need to meet one of Georgia's Own Credit Union's membership requirements:
- Be a resident or employed in one of the following counties in Georgia: Baker, Barrow, Bartow, Brooks, Calhoun, Carroll, Chatham, Cherokee, Clarke, Clay, Clayton, Cobb, Colquitt, Columbia, Coweta, Crisp, Decatur, Dekalb, Dougherty, Douglas, Early, Effingham, Fayette, Forsyth, Fulton, Gwinnett, Hall, Henry, Lee, Lowndes, Meriwether, Mitchell, Newton, Paulding, Quitman, Randolph, Richmond, Rockdale, Spalding, Sumter, Stephens, Stewart, Terrell, Thomas, Tift, Walton, Webster, or Worth.
- Live in Georgia and be a member of the Getting Ahead Association (GAA).
- Be a current student, faculty or staff employee, retiree, or alumni of Georgia State University.
- Be a family member of a current Georgia’s Own Credit Union member. Anyone related by blood, adoption, or marriage is eligible.
- Be an employee or retiree of one of their Premier Partners.
Keep in mind that nearly all credit unions have a "once a member, always a member" policy, so once you're in, the above restrictions no longer apply.
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